上传保单

1curl -X POST \
2  https://api.mch.weixin.qq.com/v3/inspolicymgr/deduct/policies \
3  -H "Authorization: WECHATPAY2-SHA256-RSA2048 mchid=\"1900000001\",..." \
4  -H "Accept: application/json" \
5  -H "Wechatpay-Serial: 5157F09EFDC096DE15EBE81A47057A7232F1B8E1"  \
6  -H "Content-Type: application/json" \
7  -d '{
8    "out_insurance_no" : "7Kx9Qm2Wp5Rt8Yv4Bn6Ld3Hj1Fc0Zs",
9    "insured_name_list" : [
10      "tCk1JSUV2QUlCQURBTkJna3Foa2lHOXcwQkFRRUZBQVNDQktZd2dnU2lBZ0VBQW9JQkFRRFRuem56VWNDNDFtUTQKNXpoMWVhYThMQ0NvUmhjeFB1Ymo1cGFaQ1FoVFdlUzBwajYwOUdlb3EyZ29aa1VyclhkK"
11    ],
12    "insurance_company_code" : "10001",
13    "effective_time" : "2025-09-21T17:11:12+08:00",
14    "expired_time" : "2025-09-21T17:11:12+08:00",
15    "coverage_detail" : "可保190种疾病，确诊一次性赔付",
16    "support_renewal" : true,
17    "start_renewal_time" : "2025-09-21T17:11:12+08:00",
18    "end_renewal_time" : "2025-10-21T17:11:12+08:00",
19    "policy_type" : "POLICY_TYPE_OTHER",
20    "car_number" : "粤B·AB123",
21    "pet_name" : "小狗",
22    "address" : "上海市浦东新区晨晖路1001号",
23    "policy_state" : "POLICY_STATE_ISSUING",
24    "policy_code" : "Coisihsiaxishishi4hihsid1ii411co",
25    "plan_id" : "12535",
26    "out_contract_code" : "G7mQa2RfT9vXe4Bc1Ht5YpLwN3sJd6Zr8Ue2Sa",
27    "policy_periods" : [
28      1
29    ],
30    "appid" : "wx7f3f0032b6e6f0cc",
31    "openid" : "oYobu0MVnQfWpSMOYJz2AHPG_gQw"
32  }'
33

1package com.java.demo;
2
3import com.java.utils.WXPayUtility; // 引用微信支付工具库，参考：https://pay.weixin.qq.com/doc/v3/merchant/4014931831
4
5import com.google.gson.annotations.SerializedName;
6import com.google.gson.annotations.Expose;
7import okhttp3.MediaType;
8import okhttp3.OkHttpClient;
9import okhttp3.Request;
10import okhttp3.RequestBody;
11import okhttp3.Response;
12
13import java.io.IOException;
14import java.io.UncheckedIOException;
15import java.security.PrivateKey;
16import java.security.PublicKey;
17import java.util.ArrayList;
18import java.util.HashMap;
19import java.util.List;
20import java.util.Map;
21
22/**
23 * 上传保单
24 */
25public class CreatePolicy {
26  private static String HOST = "https://api.mch.weixin.qq.com";
27  private static String METHOD = "POST";
28  private static String PATH = "/v3/inspolicymgr/deduct/policies";
29
30  public static void main(String[] args) {
31    // TODO: 请准备商户开发必要参数，参考：https://pay.weixin.qq.com/doc/v3/merchant/4013070756
32    CreatePolicy client = new CreatePolicy(
33      "19xxxxxxxx",                    // 商户号，是由微信支付系统生成并分配给每个商户的唯一标识符，商户号获取方式参考 https://pay.weixin.qq.com/doc/v3/merchant/4013070756
34      "1DDE55AD98Exxxxxxxxxx",         // 商户API证书序列号，如何获取请参考 https://pay.weixin.qq.com/doc/v3/merchant/4013053053
35      "/path/to/apiclient_key.pem",     // 商户API证书私钥文件路径，本地文件路径
36      "PUB_KEY_ID_xxxxxxxxxxxxx",      // 微信支付公钥ID，如何获取请参考 https://pay.weixin.qq.com/doc/v3/merchant/4013038816
37      "/path/to/wxp_pub.pem"           // 微信支付公钥文件路径，本地文件路径
38    );
39
40    CreatePolicyRequest request = new CreatePolicyRequest();
41    request.outInsuranceNo = "7Kx9Qm2Wp5Rt8Yv4Bn6Ld3Hj1Fc0Zs";
42    request.insuredNameList = new ArrayList<>();
43    {
44      request.insuredNameList.add("tCk1JSUV2QUlCQURBTkJna3Foa2lHOXcwQkFRRUZBQVNDQktZd2dnU2lBZ0VBQW9JQkFRRFRuem56VWNDNDFtUTQKNXpoMWVhYThMQ0NvUmhjeFB1Ymo1cGFaQ1FoVFdlUzBwajYwOUdlb3EyZ29aa1VyclhkK");
45    };
46    request.insuranceCompanyCode = "10001";
47    request.effectiveTime = "2025-09-21T17:11:12+08:00";
48    request.expiredTime = "2025-09-21T17:11:12+08:00";
49    request.coverageDetail = "可保190种疾病，确诊一次性赔付";
50    request.supportRenewal = true;
51    request.startRenewalTime = "2025-09-21T17:11:12+08:00";
52    request.endRenewalTime = "2025-10-21T17:11:12+08:00";
53    request.policyType = PolicyType.POLICY_TYPE_OTHER;
54    request.carNumber = "粤B·AB123";
55    request.petName = "小狗";
56    request.address = "上海市浦东新区晨晖路1001号";
57    request.policyState = PolicyState.POLICY_STATE_ISSUING;
58    request.policyCode = "Coisihsiaxishishi4hihsid1ii411co";
59    request.planId = "12535";
60    request.outContractCode = "G7mQa2RfT9vXe4Bc1Ht5YpLwN3sJd6Zr8Ue2Sa";
61    request.policyPeriods = new ArrayList<>();
62    {
63      request.policyPeriods.add(1L);
64    };
65    request.appid = "wx7f3f0032b6e6f0cc";
66    request.openid = "oYobu0MVnQfWpSMOYJz2AHPG_gQw";
67    try {
68      PolicyEntity response = client.run(request);
69        // TODO: 请求成功，继续业务逻辑
70        System.out.println(response);
71    } catch (WXPayUtility.ApiException e) {
72        // TODO: 请求失败，根据状态码执行不同的逻辑
73        e.printStackTrace();
74    }
75  }
76
77  public PolicyEntity run(CreatePolicyRequest request) {
78    String uri = PATH;
79    String reqBody = WXPayUtility.toJson(request);
80
81    Request.Builder reqBuilder = new Request.Builder().url(HOST + uri);
82    reqBuilder.addHeader("Accept", "application/json");
83    reqBuilder.addHeader("Wechatpay-Serial", wechatPayPublicKeyId);
84    reqBuilder.addHeader("Authorization", WXPayUtility.buildAuthorization(mchid, certificateSerialNo,privateKey, METHOD, uri, reqBody));
85    reqBuilder.addHeader("Content-Type", "application/json");
86    RequestBody requestBody = RequestBody.create(MediaType.parse("application/json; charset=utf-8"), reqBody);
87    reqBuilder.method(METHOD, requestBody);
88    Request httpRequest = reqBuilder.build();
89
90    // 发送HTTP请求
91    OkHttpClient client = new OkHttpClient.Builder().build();
92    try (Response httpResponse = client.newCall(httpRequest).execute()) {
93      String respBody = WXPayUtility.extractBody(httpResponse);
94      if (httpResponse.code() >= 200 && httpResponse.code() < 300) {
95        // 2XX 成功，验证应答签名
96        WXPayUtility.validateResponse(this.wechatPayPublicKeyId, this.wechatPayPublicKey,
97            httpResponse.headers(), respBody);
98
99        // 从HTTP应答报文构建返回数据
100        return WXPayUtility.fromJson(respBody, PolicyEntity.class);
101      } else {
102        throw new WXPayUtility.ApiException(httpResponse.code(), respBody, httpResponse.headers());
103      }
104    } catch (IOException e) {
105      throw new UncheckedIOException("Sending request to " + uri + " failed.", e);
106    }
107  }
108
109  private final String mchid;
110  private final String certificateSerialNo;
111  private final PrivateKey privateKey;
112  private final String wechatPayPublicKeyId;
113  private final PublicKey wechatPayPublicKey;
114
115  public CreatePolicy(String mchid, String certificateSerialNo, String privateKeyFilePath, String wechatPayPublicKeyId, String wechatPayPublicKeyFilePath) {
116    this.mchid = mchid;
117    this.certificateSerialNo = certificateSerialNo;
118    this.privateKey = WXPayUtility.loadPrivateKeyFromPath(privateKeyFilePath);
119    this.wechatPayPublicKeyId = wechatPayPublicKeyId;
120    this.wechatPayPublicKey = WXPayUtility.loadPublicKeyFromPath(wechatPayPublicKeyFilePath);
121  }
122
123  public String encrypt(String plainText) {
124    return WXPayUtility.encrypt(this.wechatPayPublicKey, plainText);
125  }
126
127  public static class CreatePolicyRequest {
128    @SerializedName("out_insurance_no")
129    public String outInsuranceNo;
130  
131    @SerializedName("insured_name_list")
132    public List<String> insuredNameList = new ArrayList<String>();
133  
134    @SerializedName("insurance_company_code")
135    public String insuranceCompanyCode;
136  
137    @SerializedName("effective_time")
138    public String effectiveTime;
139  
140    @SerializedName("expired_time")
141    public String expiredTime;
142  
143    @SerializedName("coverage_detail")
144    public String coverageDetail;
145  
146    @SerializedName("support_renewal")
147    public Boolean supportRenewal;
148  
149    @SerializedName("start_renewal_time")
150    public String startRenewalTime;
151  
152    @SerializedName("end_renewal_time")
153    public String endRenewalTime;
154  
155    @SerializedName("policy_type")
156    public PolicyType policyType;
157  
158    @SerializedName("car_number")
159    public String carNumber;
160  
161    @SerializedName("pet_name")
162    public String petName;
163  
164    @SerializedName("address")
165    public String address;
166  
167    @SerializedName("policy_state")
168    public PolicyState policyState;
169  
170    @SerializedName("policy_code")
171    public String policyCode;
172  
173    @SerializedName("plan_id")
174    public String planId;
175  
176    @SerializedName("out_contract_code")
177    public String outContractCode;
178  
179    @SerializedName("policy_periods")
180    public List<Long> policyPeriods = new ArrayList<Long>();
181  
182    @SerializedName("appid")
183    public String appid;
184  
185    @SerializedName("openid")
186    public String openid;
187  }
188  
189  public static class PolicyEntity {
190    @SerializedName("out_insurance_no")
191    public String outInsuranceNo;
192  
193    @SerializedName("insurance_name")
194    public String insuranceName;
195  
196    @SerializedName("insured_name_list")
197    public List<String> insuredNameList = new ArrayList<String>();
198  
199    @SerializedName("insurance_company_code")
200    public String insuranceCompanyCode;
201  
202    @SerializedName("effective_time")
203    public String effectiveTime;
204  
205    @SerializedName("expired_time")
206    public String expiredTime;
207  
208    @SerializedName("coverage_detail")
209    public String coverageDetail;
210  
211    @SerializedName("support_renewal")
212    public Boolean supportRenewal;
213  
214    @SerializedName("start_renewal_time")
215    public String startRenewalTime;
216  
217    @SerializedName("end_renewal_time")
218    public String endRenewalTime;
219  
220    @SerializedName("policy_type")
221    public PolicyType policyType;
222  
223    @SerializedName("car_number")
224    public String carNumber;
225  
226    @SerializedName("pet_name")
227    public String petName;
228  
229    @SerializedName("address")
230    public String address;
231  
232    @SerializedName("policy_state")
233    public PolicyState policyState;
234  
235    @SerializedName("policy_code")
236    public String policyCode;
237  
238    @SerializedName("plan_id")
239    public String planId;
240  
241    @SerializedName("out_contract_code")
242    public String outContractCode;
243  
244    @SerializedName("policy_periods")
245    public List<Long> policyPeriods = new ArrayList<Long>();
246  }
247  
248  public enum PolicyType {
249    @SerializedName("POLICY_TYPE_OTHER")
250    POLICY_TYPE_OTHER,
251    @SerializedName("POLICY_TYPE_MEDICAL")
252    POLICY_TYPE_MEDICAL,
253    @SerializedName("POLICY_TYPE_ACCIDENT")
254    POLICY_TYPE_ACCIDENT,
255    @SerializedName("POLICY_TYPE_CRITICAL")
256    POLICY_TYPE_CRITICAL,
257    @SerializedName("POLICY_TYPE_CAR")
258    POLICY_TYPE_CAR,
259    @SerializedName("POLICY_TYPE_LIFE")
260    POLICY_TYPE_LIFE,
261    @SerializedName("POLICY_TYPE_PROPERTY")
262    POLICY_TYPE_PROPERTY,
263    @SerializedName("POLICY_TYPE_PET")
264    POLICY_TYPE_PET,
265    @SerializedName("POLICY_TYPE_ANNUITY")
266    POLICY_TYPE_ANNUITY
267  }
268  
269  public enum PolicyState {
270    @SerializedName("POLICY_STATE_ISSUING")
271    POLICY_STATE_ISSUING,
272    @SerializedName("POLICY_STATE_APPROVED")
273    POLICY_STATE_APPROVED,
274    @SerializedName("POLICY_STATE_DECLINED")
275    POLICY_STATE_DECLINED,
276    @SerializedName("POLICY_STATE_INACTIVE")
277    POLICY_STATE_INACTIVE
278  }
279  
280}
281

1package main
2
3import (
4	"bytes"
5	"demo/wxpay_utility" // 引用微信支付工具库，参考 https://pay.weixin.qq.com/doc/v3/merchant/4015119334
6	"encoding/json"
7	"fmt"
8	"net/http"
9	"net/url"
10)
11
12func main() {
13	// TODO: 请准备商户开发必要参数，参考：https://pay.weixin.qq.com/doc/v3/merchant/4013070756
14	config, err := wxpay_utility.CreateMchConfig(
15		"19xxxxxxxx",                 // 商户号，是由微信支付系统生成并分配给每个商户的唯一标识符，商户号获取方式参考 https://pay.weixin.qq.com/doc/v3/merchant/4013070756
16		"1DDE55AD98Exxxxxxxxxx",      // 商户API证书序列号，如何获取请参考 https://pay.weixin.qq.com/doc/v3/merchant/4013053053
17		"/path/to/apiclient_key.pem", // 商户API证书私钥文件路径，本地文件路径
18		"PUB_KEY_ID_xxxxxxxxxxxxx",   // 微信支付公钥ID，如何获取请参考 https://pay.weixin.qq.com/doc/v3/merchant/4013038816
19		"/path/to/wxp_pub.pem",       // 微信支付公钥文件路径，本地文件路径
20	)
21	if err != nil {
22		fmt.Println(err)
23		return
24	}
25
26	request := &CreatePolicyRequest{
27		OutInsuranceNo:       wxpay_utility.String("7Kx9Qm2Wp5Rt8Yv4Bn6Ld3Hj1Fc0Zs"),
28		InsuredNameList:      []string{"tCk1JSUV2QUlCQURBTkJna3Foa2lHOXcwQkFRRUZBQVNDQktZd2dnU2lBZ0VBQW9JQkFRRFRuem56VWNDNDFtUTQKNXpoMWVhYThMQ0NvUmhjeFB1Ymo1cGFaQ1FoVFdlUzBwajYwOUdlb3EyZ29aa1VyclhkK"},
29		InsuranceCompanyCode: wxpay_utility.String("10001"),
30		EffectiveTime:        wxpay_utility.String("2025-09-21T17:11:12+08:00"),
31		ExpiredTime:          wxpay_utility.String("2025-09-21T17:11:12+08:00"),
32		CoverageDetail:       wxpay_utility.String("可保190种疾病，确诊一次性赔付"),
33		SupportRenewal:       wxpay_utility.Bool(true),
34		StartRenewalTime:     wxpay_utility.String("2025-09-21T17:11:12+08:00"),
35		EndRenewalTime:       wxpay_utility.String("2025-10-21T17:11:12+08:00"),
36		PolicyType:           POLICYTYPE_POLICY_TYPE_OTHER.Ptr(),
37		CarNumber:            wxpay_utility.String("粤B·AB123"),
38		PetName:              wxpay_utility.String("小狗"),
39		Address:              wxpay_utility.String("上海市浦东新区晨晖路1001号"),
40		PolicyState:          POLICYSTATE_POLICY_STATE_ISSUING.Ptr(),
41		PolicyCode:           wxpay_utility.String("Coisihsiaxishishi4hihsid1ii411co"),
42		PlanId:               wxpay_utility.String("12535"),
43		OutContractCode:      wxpay_utility.String("G7mQa2RfT9vXe4Bc1Ht5YpLwN3sJd6Zr8Ue2Sa"),
44		PolicyPeriods:        []int64{int64(1)},
45		Appid:                wxpay_utility.String("wx7f3f0032b6e6f0cc"),
46		Openid:               wxpay_utility.String("oYobu0MVnQfWpSMOYJz2AHPG_gQw"),
47	}
48
49	response, err := CreatePolicy(config, request)
50	if err != nil {
51		fmt.Printf("请求失败: %+v\n", err)
52		// TODO: 请求失败，根据状态码执行不同的处理
53		return
54	}
55
56	// TODO: 请求成功，继续业务逻辑
57	fmt.Printf("请求成功: %+v\n", response)
58}
59
60func CreatePolicy(config *wxpay_utility.MchConfig, request *CreatePolicyRequest) (response *PolicyEntity, err error) {
61	const (
62		host   = "https://api.mch.weixin.qq.com"
63		method = "POST"
64		path   = "/v3/inspolicymgr/deduct/policies"
65	)
66
67	reqUrl, err := url.Parse(fmt.Sprintf("%s%s", host, path))
68	if err != nil {
69		return nil, err
70	}
71	reqBody, err := json.Marshal(request)
72	if err != nil {
73		return nil, err
74	}
75	httpRequest, err := http.NewRequest(method, reqUrl.String(), bytes.NewReader(reqBody))
76	if err != nil {
77		return nil, err
78	}
79	httpRequest.Header.Set("Accept", "application/json")
80	httpRequest.Header.Set("Wechatpay-Serial", config.WechatPayPublicKeyId())
81	httpRequest.Header.Set("Content-Type", "application/json")
82	authorization, err := wxpay_utility.BuildAuthorization(config.MchId(), config.CertificateSerialNo(), config.PrivateKey(), method, reqUrl.RequestURI(), reqBody)
83	if err != nil {
84		return nil, err
85	}
86	httpRequest.Header.Set("Authorization", authorization)
87
88	client := &http.Client{}
89	httpResponse, err := client.Do(httpRequest)
90	if err != nil {
91		return nil, err
92	}
93	respBody, err := wxpay_utility.ExtractResponseBody(httpResponse)
94	if err != nil {
95		return nil, err
96	}
97	if httpResponse.StatusCode >= 200 && httpResponse.StatusCode < 300 {
98		// 2XX 成功，验证应答签名
99		err = wxpay_utility.ValidateResponse(
100			config.WechatPayPublicKeyId(),
101			config.WechatPayPublicKey(),
102			&httpResponse.Header,
103			respBody,
104		)
105		if err != nil {
106			return nil, err
107		}
108		response := &PolicyEntity{}
109		if err := json.Unmarshal(respBody, response); err != nil {
110			return nil, err
111		}
112
113		return response, nil
114	} else {
115		return nil, wxpay_utility.NewApiException(
116			httpResponse.StatusCode,
117			httpResponse.Header,
118			respBody,
119		)
120	}
121}
122
123type CreatePolicyRequest struct {
124	OutInsuranceNo       *string      `json:"out_insurance_no,omitempty"`
125	InsuredNameList      []string     `json:"insured_name_list,omitempty"`
126	InsuranceCompanyCode *string      `json:"insurance_company_code,omitempty"`
127	EffectiveTime        *string      `json:"effective_time,omitempty"`
128	ExpiredTime          *string      `json:"expired_time,omitempty"`
129	CoverageDetail       *string      `json:"coverage_detail,omitempty"`
130	SupportRenewal       *bool        `json:"support_renewal,omitempty"`
131	StartRenewalTime     *string      `json:"start_renewal_time,omitempty"`
132	EndRenewalTime       *string      `json:"end_renewal_time,omitempty"`
133	PolicyType           *PolicyType  `json:"policy_type,omitempty"`
134	CarNumber            *string      `json:"car_number,omitempty"`
135	PetName              *string      `json:"pet_name,omitempty"`
136	Address              *string      `json:"address,omitempty"`
137	PolicyState          *PolicyState `json:"policy_state,omitempty"`
138	PolicyCode           *string      `json:"policy_code,omitempty"`
139	PlanId               *string      `json:"plan_id,omitempty"`
140	OutContractCode      *string      `json:"out_contract_code,omitempty"`
141	PolicyPeriods        []int64      `json:"policy_periods,omitempty"`
142	Appid                *string      `json:"appid,omitempty"`
143	Openid               *string      `json:"openid,omitempty"`
144}
145
146type PolicyEntity struct {
147	OutInsuranceNo       *string      `json:"out_insurance_no,omitempty"`
148	InsuranceName        *string      `json:"insurance_name,omitempty"`
149	InsuredNameList      []string     `json:"insured_name_list,omitempty"`
150	InsuranceCompanyCode *string      `json:"insurance_company_code,omitempty"`
151	EffectiveTime        *string      `json:"effective_time,omitempty"`
152	ExpiredTime          *string      `json:"expired_time,omitempty"`
153	CoverageDetail       *string      `json:"coverage_detail,omitempty"`
154	SupportRenewal       *bool        `json:"support_renewal,omitempty"`
155	StartRenewalTime     *string      `json:"start_renewal_time,omitempty"`
156	EndRenewalTime       *string      `json:"end_renewal_time,omitempty"`
157	PolicyType           *PolicyType  `json:"policy_type,omitempty"`
158	CarNumber            *string      `json:"car_number,omitempty"`
159	PetName              *string      `json:"pet_name,omitempty"`
160	Address              *string      `json:"address,omitempty"`
161	PolicyState          *PolicyState `json:"policy_state,omitempty"`
162	PolicyCode           *string      `json:"policy_code,omitempty"`
163	PlanId               *string      `json:"plan_id,omitempty"`
164	OutContractCode      *string      `json:"out_contract_code,omitempty"`
165	PolicyPeriods        []int64      `json:"policy_periods,omitempty"`
166}
167
168type PolicyType string
169
170func (e PolicyType) Ptr() *PolicyType {
171	return &e
172}
173
174const (
175	POLICYTYPE_POLICY_TYPE_OTHER    PolicyType = "POLICY_TYPE_OTHER"
176	POLICYTYPE_POLICY_TYPE_MEDICAL  PolicyType = "POLICY_TYPE_MEDICAL"
177	POLICYTYPE_POLICY_TYPE_ACCIDENT PolicyType = "POLICY_TYPE_ACCIDENT"
178	POLICYTYPE_POLICY_TYPE_CRITICAL PolicyType = "POLICY_TYPE_CRITICAL"
179	POLICYTYPE_POLICY_TYPE_CAR      PolicyType = "POLICY_TYPE_CAR"
180	POLICYTYPE_POLICY_TYPE_LIFE     PolicyType = "POLICY_TYPE_LIFE"
181	POLICYTYPE_POLICY_TYPE_PROPERTY PolicyType = "POLICY_TYPE_PROPERTY"
182	POLICYTYPE_POLICY_TYPE_PET      PolicyType = "POLICY_TYPE_PET"
183	POLICYTYPE_POLICY_TYPE_ANNUITY  PolicyType = "POLICY_TYPE_ANNUITY"
184)
185
186type PolicyState string
187
188func (e PolicyState) Ptr() *PolicyState {
189	return &e
190}
191
192const (
193	POLICYSTATE_POLICY_STATE_ISSUING  PolicyState = "POLICY_STATE_ISSUING"
194	POLICYSTATE_POLICY_STATE_APPROVED PolicyState = "POLICY_STATE_APPROVED"
195	POLICYSTATE_POLICY_STATE_DECLINED PolicyState = "POLICY_STATE_DECLINED"
196	POLICYSTATE_POLICY_STATE_INACTIVE PolicyState = "POLICY_STATE_INACTIVE"
197)
198